You are welcome. His way of paying things off is very encouraging, because he has you pay off the smallest amounts owed first to give you a sense of accomplishment. Other programs aim at paying off the amounts with the highest interest first. Now we only spend the money that we have. .He recommends not using credit cards at all, but we use them to our advantage - gaining points and cashback etc. We pay the amount charged, as soon as we get home from shopping! If we don't have the money to pay off the charge, then we can't spend it is our rule!